Excellent Mortgage Advice!!!

Ian_Griffiths_Halifax

dunstonh wrote: »

I know a great company for advice and I am sitting in their office right at the moment

Please could you give me their name. I am desperately in need of some advice and I come to the site as I trust everything I read. I am sure that you would not give me details of a cowboy company.

Many thanks in advance.

Ian Griffiths
Mortgage Search UK (website under construction)

dunstonh

Ian_Griffiths_Halifax wrote: »

Please could you give me their name. I am desperately in need of some advice and I come to the site as I trust everything I read. I am sure that you would not give me details of a cowboy company.

Many thanks in advance.

Ian Griffiths
Mortgage Search UK (website under construction)

I'm sorry, I can only [strike]spam[/strike] give you the company details if I was to create a new account and be a one post wonder. I would also have to create an uncompliant website and breach more FSA financial promotions rules as that would match the other [STRIKE]spams [/STRIKE] recommendations from one post wonders.

koexelek

Ian_Griffiths_Halifax wrote: »

I'm usually available for appointments from 9am to 10pm Monday to Friday and weekends on request

Part timer

Debras_Angel

Aaaw that's a shame I thought he was cosha as well:rolleyes:

We do get some plonkers on here who must think we are all daft!

Leon_W

Well, since the last thread, they have infact removed the word "independent" from the website front page which is a good thing. whether it was a result of that thread who knows.

As others have mentioned, you also have to be careful about the word "impartial" .I was always told this was another no no but you would have thought that if someone was reviewing the front page for compliance reasons then they must be aware it's borderline at best.

Anyway, they've changed it so someone must have realised there was a problem.

Regards

Ian_Griffiths_Halifax

Leon_W wrote: »

Well, since the last thread, they have infact removed the word "independent" from the website front page which is a good thing. whether it was a result of that thread who knows.

As others have mentioned, you also have to be careful about the word "impartial" .I was always told this was another no no but you would have thought that if someone was reviewing the front page for compliance reasons then they must be aware it's borderline at best.

Anyway, they've changed it so someone must have realised there was a problem.

Regards

It still says, right in the middle of their Home Page, that they are 'completely impartial'. This implies independence and is covered in the FSA Rules in the link on _Andy_'s post. You can't 'impartial' unless you are independent.

This is their statement:

We’re completely impartial, with access to over 11,500 different mortgages from 125 lenders including these below:

And when you look at the scrolling list of lenders they include lenders who do NOT deal with brokers, so how can they have access to them? They my be able to recommend that somebody takes the mortgage, but it doesn't mean they have access to it!

koexelek

Debras_Angel wrote: »

Aaaw that's a shame I thought he was cosha as well:rolleyes:

We do get some plonkers on here who must think we are all daft!

That's such a shame.

Even though I am a broker myself, after such a glowing report I was going to contact them when my mortgage was next up for renewal

minimike2

11,500 Mortgages eh....

I would love to know what lenders they are all from, considering that the total product count was hovering at 3000 at the last check.

Ian_Griffiths_Halifax

My Sourcing System tells me that I have 13903 mortgages to choose from today. I think there will be a number of duplications in them due to exclusives and semi exclusives.

It also includes lenders who have the same interest but different fees depending on the LTV, so you might have 4 products with the same interest rate but it is effectively a different deal due to the fee!

minimike2

http://www.mortgageintroducer.com/mortgages/231755/4/Today%27s_breaking_news/445_mortgage_products_lost_in_one_day.htm

"Michelle Slade commented: "Monday saw one of the largest declines in mortgage products ever seen in a day, with 11.4% of products being culled. At the start of Monday there were 3,914 mortgage products on the market, today there are just 3,469."